The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$46,987
−HK$2,947/mo
▼ 0.25% · 3.875%
HK$48,449
−HK$1,485/mo
Today · 4.125%
HK$49,934
baseline
▲ 0.50% · 4.625%
HK$52,972
+HK$3,038/mo
Deposit HK$10.30M · loan HK$10.30M · min. income ≈ HK$99,868/mo (50% DSR)
Upfront cash ≈ HK$11.11M (deposit + AVD stamp duty HK$810,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,273
−HK$2,824/mo
▼ 0.25% · 3.875%
HK$53,675
−HK$1,422/mo
Today · 4.125%
HK$55,097
baseline
▲ 0.50% · 4.625%
HK$58,001
+HK$2,904/mo
Deposit HK$10.30M · loan HK$10.30M · min. income ≈ HK$110,194/mo (50% DSR)
Upfront cash ≈ HK$11.11M (deposit + AVD stamp duty HK$810,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,385
−HK$3,536/mo
▼ 0.25% · 3.875%
HK$58,139
−HK$1,782/mo
Today · 4.125%
HK$59,921
baseline
▲ 0.50% · 4.625%
HK$63,567
+HK$3,646/mo
Deposit HK$8.24M · loan HK$12.36M · min. income ≈ HK$119,842/mo (50% DSR)
Upfront cash ≈ HK$9.05M (deposit + AVD stamp duty HK$810,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,728
−HK$3,389/mo
▼ 0.25% · 3.875%
HK$64,410
−HK$1,707/mo
Today · 4.125%
HK$66,117
baseline
▲ 0.50% · 4.625%
HK$69,602
+HK$3,485/mo
Deposit HK$8.24M · loan HK$12.36M · min. income ≈ HK$132,234/mo (50% DSR)
Upfront cash ≈ HK$9.05M (deposit + AVD stamp duty HK$810,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,782
−HK$4,126/mo
▼ 0.25% · 3.875%
HK$67,829
−HK$2,079/mo
Today · 4.125%
HK$69,908
baseline
▲ 0.50% · 4.625%
HK$74,161
+HK$4,253/mo
Deposit HK$6.18M · loan HK$14.42M · min. income ≈ HK$139,816/mo (50% DSR)
Upfront cash ≈ HK$6.99M (deposit + AVD stamp duty HK$810,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,182
−HK$3,954/mo
▼ 0.25% · 3.875%
HK$75,145
−HK$1,991/mo
Today · 4.125%
HK$77,136
baseline
▲ 0.50% · 4.625%
HK$81,202
+HK$4,066/mo
Deposit HK$6.18M · loan HK$14.42M · min. income ≈ HK$154,272/mo (50% DSR)
Upfront cash ≈ HK$6.99M (deposit + AVD stamp duty HK$810,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,577
−HK$5,304/mo
▼ 0.25% · 3.875%
HK$87,208
−HK$2,673/mo
Today · 4.125%
HK$89,881
baseline
▲ 0.50% · 4.625%
HK$95,350
+HK$5,469/mo
Deposit HK$2.06M · loan HK$18.55M · min. income ≈ HK$179,762/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$810,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,092
−HK$5,083/mo
▼ 0.25% · 3.875%
HK$96,615
−HK$2,560/mo
Today · 4.125%
HK$99,175
baseline
▲ 0.50% · 4.625%
HK$104,403
+HK$5,228/mo
Deposit HK$2.06M · loan HK$18.55M · min. income ≈ HK$198,350/mo (50% DSR)
Upfront cash ≈ HK$2.87M (deposit + AVD stamp duty HK$810,622 · Scale 2, in force from 26 Feb 2026)